Posts Tagged ‘Encompass auto insurance’

Holiday Travel Plans By Car Derailed in New Mexico

Monday, December 19th, 2011

Great plains states have been hit hard with snow and many holiday travel plans are changing.  This information comes from The Associated Press article, “Deadly snowstorm halts travel across Great Plains,” by Jeri Clausing and Roxana Hegeman.  A terrible car crash in Colorado killed two people and injured nine more because of the icy road conditions.  Road crews have been out in full effect, but areas of New Mexico, Texas, and Oklahoma have not been able to catch up with the heavy snow fall.  Many drivers have been forced to detour and stay put where they don’t necessarily want to be.  Insurers like Encompass auto insurance are glad to have drivers off the roads in these snowy conditions and away from the danger of car accidents or breakdowns.

Northern New Mexico is no stranger to closed roads during snowy weather because it tends to happen every winter.  Hotels are at full capacity in the town of Clayton, which is near the borders of New Mexico, Texas, and Oklahoma.  Travelers heading to Colorado for skiing are not happy about being stranded, but they are lucky to be safe.  Travel on the roads throughout the Great Plains was difficult and Clayton police reported multiple drivers stranded on the roadways.  It’s always wise to have an emergency kit in your car; top car insurance companies may provide them or give you a checklist of items to have in case you are stranded or your car breaks down.  While drivers, insurers and others may be inconvenienced by all of this snow, farmers are grateful for the moisture.

Graduates Beware: State Farm Car Insurance Quotes

Tuesday, June 14th, 2011

Recent high school and college graduates have even more to worry about then paying for college or finding full time jobs.  This is the peak car buying season for young graduates and while they are worrying about haggling over the price of their new or used cars, they might need to be concerned about their State Farm car insurance quotes.  Young people are paying more than ever for car insurance because of their statistically high risky behavior resulting in more accidents and citations than older adults.  But they are also paying more comparably than the graduates that came a decade or so before them because of the newer risks of texting and talking on their cell phones.  The more chances graduates have for risky behavior, the more that car insurance companies will charge to insure them.

The best car for young people to drive, according to NBC 9News in Colorado, is a four door sedan.  SUVs and sports cars will cost much more for recent graduates or their parents to insure.  Another way to save money on insurance from a company like Encompass auto insurance is to avoid purchasing a car that is expensive to maintain or fix.  Boys have always paid more than girls for car insurance, but the gap between the two sexes is really tightening because girls are becoming riskier drivers.  If parents are adding recent graduates to their car insurance plans, they should make sure that the youngest drivers have the slowest driving and lowest cost cars to keep insurance lower.  While State Farm car insurance quotes vary for many reasons, one thing is for sure, recent graduates are going to pay more for their car insurance than most of their parents pay.

Required Car Insurance in Ohio

Wednesday, December 1st, 2010

Drivers in the state of Ohio pay less for their car insurance than drivers in most other states, but they better have the correct coverage or they will pay a penalty.  According to “Complying with Ohio Insurance Law” from Online Auto Insurance, all Ohio drivers must follow the Financial Responsibility (FR) law of the state.  Drivers also cannot allow someone to drive their car if it is not properly insured or if the other driver cannot prove Financial Responsibility.

An insurance company like Encompass Auto Insurance can help Ohioans obtain the minimum coverage they need to be legal.  The liability limits they need to cover are $12,500 for one person’s bodily injury, $25,000 in bodily injury per accident, and $7,500 in liability coverage for property damage.  All car insurance companies will issue an identification card with your proof of coverage that should stay in your car or with you whenever you are driving.  You’ll have to show the police that card in the event of a traffic stop or car accident.

If you really don’t want to purchase insurance coverage, you can satisfy the Financial Responsibility law by purchasing a $30,000 government bond from the Ohio Treasurer or a few other sources and filing a certificate with the Bureau of Motor Vehicles (BMV) stating your financial coverage.  Without carrying the proper insurance coverage, your license could be suspended, your car could be impounded, and you could pay hefty fees to get both of those back.

Compare Car Insurance Facts

Tuesday, October 19th, 2010

There are five facts about car insurance that are not known to many drivers, according to U.S. News & World Report’s “5 Things You Don’t Know About Car Insurance.”  Author Chad Fisher discusses both unexpected things that are and are not covered when you compare car insurance.  The first fact is that the personal items in your car are not covered, even if your car is stolen or they are damaged in your vehicle.  You need to add personal belongings like GPS machines and cell phones onto your home insurance policy in case anything happens to them, even in your car.

Another piece of information of which many people are not aware is the possibility of obtaining a diminished value claim payment from an insurance company.  While it is unlikely that you would be reimbursed from your own insurance company if they covered your vehicle in an accident, the diminished value may be paid out to you from the at fault person’s insurance company if your car will now lower in value because of being in an accident.  It is a good idea to check with car insurance companies and see if they offer any coverage for your pet in the case of a car accident.  Some policies do cover veterinary bills up to $1,000 if your animal was in an accident with you.

Some consumers are not aware that they are being charged extra to pay monthly for their car insurance.  It is possible that Encompass auto insurance and others might offer you a discount for paying your policy in a lump sum either once or twice a year.  You have to check with your individual company to see what their policy is regarding lump sum payments.  The fifth fact that you may not be aware of is that your insurance company might pay for your taxes and registration fees in the case that you are in an accident and your car is deemed a total loss.  It’s important to read the fine print in your insurance policies since you may be covered for costly expenses that you didn’t even realize.

Car Insurance Increases in Michigan

Monday, April 12th, 2010

According to “Auto insurance going up for Michigan drivers,” ABC News affiliate WZZM reports that car insurance rates will be increasing in Michigan.  The increase was initiated by the Michigan Catastrophic Claims Association and will take effect on July 1st.  Each vehicle will be charged $18.20 more for auto insurance coverage.  Insurance agents say that they get complaints about these increases and have to explain them in detail to many consumers.

The Michigan Catastrophic Claims Association has been around since 1978 and is the only one of its kind in the United States.  They pay the medical bills above $480,000 after car accidents.  Encompass Auto Insurance and other insurance companies wait to see what this Association will do about rate increases each year.  Usually the fees do go up but there have been times that did not occur.  With a $2 billion deficit and $800 million of payments to make, the M.C.C.A. says that after months of research they have no choice but to make this rate increase.

Encompass Auto Insurance Ratings

Monday, January 4th, 2010

Encompass auto insurance offers car insurance, homeowners policies, and a unique Universal Security Policy combining multiple personal policies.  They are a subsidiary of Allstate Insurance Company focused on sales by independent agents.  With over 25 years of experience helping independent agents serve their customers, Encompass is a strong company that has withstood the test of time.  All of their insurance products are underwritten by Allstate and it’s affiliates.

A.M. Best Company rates the financial strength of the underwriting companies.  As of July 2009, all of the listing companies had positive ratings.  In every state but Florida and New Jersey, Allstate Insurance Company 100% reinsures the products.  Their A.M. Best rating is A+ (superior).  In Florida, Castle Key Insurance Company reinsures the business.  Their rating is B- (fair).  New Jersey’s business is reinsured by Allstate New Jersey Insurance Company which has a strength rating of A- (excellent).  You can rest easy knowing that your car insurance needs will be covered with Encompass Insurance.

Encompass Auto Insurance & ‘The View’ on Cell Phone Driving

Monday, October 19th, 2009

Everyone has an opinion about talking on cell phones while driving.  According to the Encompass auto insurance website, their safety and prevention specialists would like consumers to wait until they safely arrive at their destination before using cell phones.  Many states and cities have actually outlawed driving while talking on cell phones so you can get pulled over and receive a citation.  Encompass auto insurance understands that some of you just can’t live without your cell phones because of business or other pressing matters.  In that instance, their stance is that you should use a hands-free device in the belief that you will still be focused on the wheel at all times.

The ladies of ‘The View’ debated this hot topic the other day.  Sherri said that she uses a hands-free device while talking on the phone and driving.  Barbara and Whoopi were livid and arguing with her that it is just as dangerous as actually holding her phone while driving.  It was another heated debate on ‘The View’ as it is for car insurance companies.  For the well being of yourself and others, take the advice of Encompass auto insurance and Barbara Walters from ‘The View’ and keep your cell phone away while driving.  In an “emergency” situation where you “need” to use your phone, put a hands-free device in your ear.